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All Journal Jurnal Sisfotek Global
Rawasaputra, Aditya
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Computer Science & IT Decision Sciences, Operations Research & Management Education Electrical & Electronics Engineering

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Artificial Intelligence (AI) Ethics in Fintech and Startup Ecosystems: A Systematic Literature Review Analysis Rawasaputra, Aditya; Tullah, Rahmat; Sudaryana, I Ketut; Riworuhi, Jan Everhard
JURNAL SISFOTEK GLOBAL Vol 16, No 2 (2026): JURNAL SISFOTEK GLOBAL
Publisher : Institut Teknologi dan Bisnis Bina Sarana Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38101/sisfotek.v16i2.16229

Abstract

Artificial intelligence (AI) is reshaping the fintech and startup ecosystem, offering efficiency in credit scoring, fraud detection, investment personalization, and customer service. Yet, its adoption raises pressing ethical challenges, particularly in Indonesia and Southeast Asia. This study conducts a systematic literature review (SLR) using the PRISMA protocol, analyzing over 80 scholarly articles, industry reports, and regulatory documents to examine key ethical issues in AI-driven finance. Findings highlight concerns around algorithmic transparency, data bias, privacy protection, accountability in automated decision-making, and regulatory compliance. Case studies of Indonesian fintech firms reveal emerging best practices, including explainable AI, fairness audits, compliance with the Personal Data Protection Law (UU PDP), and ethics committees. Regulatory frameworks from OJK and international standards such as GDPR and the EU AI Act provide critical guidance, though implementation challenges persist. The review concludes that embedding ethics into AI development lifecycles, strengthening cross-sector collaboration, and enhancing digital literacy are essential to building an inclusive, transparent, and sustainable fintech ecosystem.
Co-Authors I Ketut Sudaryana, I Ketut Riworuhi, Jan Everhard Tullah, Rahmat